specialising in debt consolidation, debt management and solutions, business advice, business restructuring, refinancing, independent business reviews and valuations, court reporter and expert witness assignments, creditor settlements and negotiations and formal insolvency appointments. Formal insolvency appointments include sequestration, company voluntary arrangement (CVA), creditors voluntary liquidation (CVL), members voluntary liquidation (MVL) and Administration. Informal appointments include other specialist services such as debt arrangement scheme (DAS), business debt arrangement scheme (BDAS), protected trust deed (PTD), expert help and business consultancy.